Based on CMS star ratings, premiums, MOOP costs and coverage features, we identified Oregon's best Medicare Advantage plans across different plan types. Providence Medicare Advantage Plans offers top HMO coverage with a $161 monthly premium and $4,200 maximum out-of-pocket limit, earning a solid 4-star CMS rating. Kaiser Permanente leads for HMO-POS plans, while ATRIO Health Plans provides the strongest PPO options.
Best Medicare Advantage Plans in Oregon (2026)
Updated: January 27, 2026
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Key Takeaways
Medicare Advantage coverage in Oregon includes 25 plans from 11 insurance providers, with HMO, HMO-POS and PPO networks available statewide. Nine plans require no monthly premium, while others range up to $161 depending on your coverage choice.
Providence Medicare Advantage Plans ranks highest for HMO coverage in Oregon, while Kaiser Permanente and ATRIO Health Plans take top positions for HMO-POS and PPO plans.
Your best Medicare Advantage match depends on confirming your current doctors accept the plan, checking your prescription drug coverage and balancing what you pay monthly against your annual out-of-pocket exposure.
Best Medicare Advantage Companies in Oregon
| HMO | Providence Medicare Advantage Plans | 4.00 | $161 | $4,200 | Providence Medicare Prime + Rx (HMO) |
| HMO-POS | Kaiser Permanente | 4.00 | $0 | $4,200 | Kaiser Permanente Senior Advantage Standard (HMO-POS) |
| PPO | ATRIO Health Plans | 2.50 | $80 | $4,167 | ATRIO Prime Rx (PPO) |
Medicare Advantage plans bundle hospital stays, doctor visits and prescription drugs into comprehensive coverage packages that serve as alternatives to Original Medicare. These Part C plans must match Original Medicare's benefits while adding extras like dental, vision and hearing care.
- CMS Star Ratings: Plans get rated from 1 to 5 stars based on quality and performance measures. Higher ratings mean better customer satisfaction and care quality, with 4-star plans delivering superior service.
- Monthly premiums: You'll pay your Part B premium plus any plan-specific premium, though many Medicare Advantage plans charge no additional monthly cost. Your total expense varies by coverage level and location.
- Maximum out-of-pocket (MOOP) limits: These annual spending caps protect you from high medical bills. Once you hit your MOOP limit, your plan covers 100% of covered services for the rest of the year.
- Drug coverage: Most plans include prescription drug benefits with a formulary listing covered medications. Check that your drugs are included and understand any prior authorization requirements or usage restrictions.
Providence Health Plan
Best HMO
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Quality
5/5Availability
CMS Star Rating
4.0Plan Types
HMO
Kaiser Permanente
Best HMO-POS
MoneyGeek Rating
4.8/ 5
5/5Affordability
5/5Quality
2.9/5Availability
CMS Star Rating
4.0Plan Types
HMO-POS
ATRIO Health Plans
Best PPO
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Quality
5/5Availability
CMS Star Rating
2.5Plan Types
PPO, HMO
Best HMO Medicare Advantage Plans in Oregon
In Oregon, HMO Medicare Advantage plans show mixed quality, with star ratings from 2.5 to 4.5 stars. Six plans earn 4 stars or higher. Seven providers offer 17 total plans across the state, including 11 with $0 monthly premiums and the median premium is also $0. Out-of-pocket maximums range from $4,200 to $8,800, averaging $6,153 annually.
- Providence Medicare Advantage Plans leads Oregon's HMO market with three 4.0 star plans averaging $161 monthly and featuring the state's lowest maximum out-of-pocket costs at $4,200.
- For zero-premium coverage, Cigna HealthCare provides one 4.0-star plan with a $5,000 MOOP.
- Humana's two $0 premium plans earn 4.5 CMS ratings, though out-of-pocket maximums average $6,775.
| Providence Medicare Advantage Plans | 4.00 | $161 | $4,200 | 3 | 5.00 |
| Cigna HealthCare | 4.00 | $0 | $5,000 | 1 | 4.59 |
| Humana | 4.50 | $0 | $6,775 | 2 | 4.50 |
| ATRIO Health Plans | 2.50 | $0 | $4,500 | 1 | 4.25 |
| Blue Cross Blue Shield | 3.50 | $0 | $6,700 | 1 | 4.11 |
| Devoted Health | 3.50 | $15 | $6,567 | 5 | 3.94 |
| PacificSource Medicare | 3.50 | $118 | $6,242 | 4 | 3.47 |
WHY CHOOSE AN HMO PLAN?
HMO networks provide comprehensive care within a defined area, but you'll need to choose a primary care physician and get referrals for specialist visits. These plans often have lower premiums and out-of-pocket costs compared to other Medicare options in Oregon.
Best HMO-POS Medicare Advantage Plans in Oregon
HMO-POS Medicare Advantage market in Oregon splits evenly on quality, with four plans earning 4 stars and five receiving 3 stars. Five providers offer 14 total coverage options, and eight don't charge monthly premiums. Maximum out-of-pocket costs run $5,761, ranging from $3,500 to $7,900.
- With a 4.79 MoneyGeek score, Kaiser Permanente leads Oregon's HMO-POS market. Its four plans carry 4-star CMS ratings, charge $0 monthly and cap out-of-pocket costs at $4,200.
- Aetna and UnitedHealthcare both score 4.17, though their offerings differ a lot. Aetna's two plans cost nothing per month with a $5,900 MOOP and 3-star ratings, while UnitedHealthcare's three coverage options average $24 monthly with $5,776 maximum out-of-pocket costs.
- Three plans from Wellcare score 3.68, charging $19 monthly on average with a $7,645 out-of-pocket maximum.
| Kaiser Permanente | 4.00 | $0 | $4,200 | 4 | 4.79 |
| Aetna | 3.00 | $0 | $5,900 | 2 | 4.17 |
| UnitedHealthcare | 3.50 | $24 | $5,776 | 3 | 4.17 |
| Wellcare | 3.00 | $19 | $7,645 | 3 | 3.68 |
| PacificSource Medicare | 3.50 | $63 | $6,243 | 2 | 3.57 |
WHY CHOOSE AN HMO-POS PLAN?
Looking for affordable coverage that doesn't lock you into a network completely? HMO-POS plans cost less than PPO options while giving you the flexibility to see out-of-network providers when you need specialized care that's not available in your network. You'll pay more for those out-of-network visits, but you won't need referrals to see specialists outside your plan.
Best PPO Medicare Advantage Plans in Oregon
Oregon's PPO Medicare Advantage plans charge between $0 and $219 monthly with a $45 median. You'll pay more than HMO options, but you get the freedom to see any provider without referrals. Out-of-pocket maximums range from $4,167 to $9,250 and average $6,482 across the state's 22 available plans. Quality stays competitive, with five plans earning 4 stars or higher. Three plans reached the top 4.5-star rating, while the remaining plans include two at 4 stars, five at 3.5 stars, and nine at 3 stars.
- ATRIO Health Plans leads the state's PPO coverage with a perfect 5.0 MoneyGeek score. The company offers three plans that average $80 monthly with the lowest $4,167 out-of-pocket maximum, though it carries a 2.5 CMS star rating.
- With a 4.6 score, UnitedHealthcare ranks second through two plans averaging $39 per month and $6,178 MOOP limits. The company earned a solid 4.0-star rating.
- Aetna's two plans average just $11 per month but come with $6,900 MOOP limits. The company takes third place with a 4.57 score while maintaining the highest 4.5-star quality rating among top providers
| ATRIO Health Plans | 2.50 | $80 | $4,167 | 3 | 5.00 |
| UnitedHealthcare | 4.00 | $39 | $6,178 | 2 | 4.60 |
| Aetna | 4.50 | $11 | $6,900 | 2 | 4.57 |
| Devoted Health | 3.50 | $29 | $5,900 | 1 | 4.38 |
| Humana | 3.53 | $45 | $6,797 | 5 | 4.23 |
| Cigna HealthCare | 3.00 | $0 | $6,800 | 1 | 4.15 |
| Blue Cross Blue Shield | 3.00 | $132 | $5,997 | 3 | 4.04 |
| Wellcare | 3.00 | $55 | $7,630 | 4 | 3.74 |
| PacificSource Medicare | 3.00 | $157 | $6,700 | 1 | 3.56 |
WHY CHOOSE A PPO PLAN?
PPO plans work best for Oregon residents who value choice and need specialized care from various providers without restrictions. You'll pay higher premiums, but you can see any specialist without referrals and access out-of-network doctors when needed.
How to Choose the Best Oregon Medicare Advantage Plan
Your ideal Medicare Advantage plan depends on balancing your medical needs, costs and how much provider choice you want.
- 1Confirm Your Doctors and Hospitals Are In-Network
Call your doctors and hospitals. Ask if they accept your specific plan by name as each plan has different provider networks.
- 2Compare Total Costs, Not Just Premiums
A $0 premium plan costs more through copays and deductibles. Add medication expenses and specialist visit fees to calculate real annual costs. Some plans charge premiums but offer lower out-of-pocket costs.
- 3Check Prescription Drug Coverage
Search your medications on each plan's formulary. Higher-tier drugs cost more. Some medications require prior authorization, delaying access by days or weeks.
- 4Compare Different Plan Types
Pick an HMO plan type for the lowest premiums and coordinated care through your primary doctor. HMO-POS works if you want occasional out-of-network flexibility. PPO suits frequent travelers or those wanting unrestricted specialist access.
- 5Review Star Ratings and Quality Metrics
Medicare rates plans on a 1-5 star scale. Plans with 4 or 5 stars handle claims faster, offer better customer service and deliver superior health outcomes. Members report higher satisfaction with top-rated plans.
- 6Compare Extra Benefits
Dental coverage saves you money on cleanings and fillings. Vision benefits cover eye exams and glasses. Other Oregon plans include gym memberships, hearing aids or monthly allowances for over-the-counter items.
- 7Check Out-of-Pocket Maximums
Out-of-pocket maximums cap your annual medical spending. Lower caps mean better financial protection. Higher caps reduce your monthly premium but expose you to larger bills if you need surgery or hospitalization.
How Much Does Medicare Advantage Cost in Oregon?
Plan type majorly impacts Medicare Advantage costs across Oregon. HMOs offer the most affordable option with $0 median premiums and $39 average monthly costs, though they carry $6,153 average out-of-pocket maximums. HMO-POS plans run $28 monthly on average but provide the lowest out-of-pocket limits at $5,761. PPOs top the cost spectrum at $45 median and $56 average monthly premiums with $6,482 out-of-pocket maximums because they let you see any provider without referrals.
| HMO | $0 | $39 | $6,153 |
| HMO-POS | $0 | $28 | $5,761 |
| PPO | $45 | $56 | $6,482 |
Best Oregon Medicare Advantage: FAQ
Get answers about how to enroll in Medicare Advantage, what's covered and when you can sign up for Oregon residents.
How do you get a Medicare Advantage plan in Oregon?
Enroll during Open Enrollment (Oct. 15 to Dec. 7) or when first eligible for Medicare. Compare plans at Medicare.gov, contact insurers directly, or work with licensed agents. Coverage begins Jan. 1 or during other qualifying periods.
What does Medicare Advantage cover?
Medicare Advantage plans cover everything Original Medicare does plus often include prescription drugs, dental, vision, hearing aids, and fitness benefits.
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage replaces Original Medicare with bundled coverage from private insurers, while Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs.
When is open enrollment for Medicare Advantage in Oregon?
Oregon offers multiple enrollment periods for Medicare Advantage plans. The main Annual Enrollment Period runs Oct. 15 through Dec. 7, with an additional open enrollment from Jan. 1 to March 31.
Our Methodology: How We Ranked Oregon's Best Medicare Advantage Plans
We analyzed Medicare Advantage plans using a weighted scoring system that prioritizes affordability and quality. Our methodology scores three main factors to help you find plans that offer the best value for your health care needs.
- Affordability (50%): Cost accounts for half of our overall score because it affects your budget. We evaluated monthly premiums for Part C and Part D coverage combined (30% weight) and in-network maximum out-of-pocket limits (20% weight). Plans with lower premiums and MOOP amounts score higher since they reduce your total annual health care spending.
- Star Ratings (40%): CMS star ratings measure plan quality across categories like care effectiveness, customer service and member satisfaction. The Overall Star Rating combines both Part C (medical coverage) and Part D (prescription drug) ratings on a scale from 1 to 5 stars. Plans with higher ratings earn better scores in our analysis.
- Availability (10%): We score providers based on how many states they operate in, including Washington, D.C. Providers with broader geographic availability score higher because they're more likely to maintain coverage if you move and often have more resources for customer support and plan improvements.
This scoring system helps you compare plans objectively while accounting for what matters most: what you'll pay and the quality of care you'll receive.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.